<ARTICLE>             9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE 1996
10-K AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH 10-K.
</LEGEND>
<MULTIPLIER>          1,000
       
                             
<PERIOD-TYPE>                   YEAR
<FISCAL-YEAR-END>                          DEC-31-1996
<PERIOD-END>                               DEC-31-1996
<CASH>                                          29,726
<INT-BEARING-DEPOSITS>                              54
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                   500
<INVESTMENTS-HELD-FOR-SALE>                     57,886
<INVESTMENTS-CARRYING>                          86,904
<INVESTMENTS-MARKET>                                 0
<LOANS>                                        387,233
<ALLOWANCE>                                   (15,700)
<TOTAL-ASSETS>                                 581,636
<DEPOSITS>                                     508,280
<SHORT-TERM>                                     9,599
<LIABILITIES-OTHER>                             11,088
<LONG-TERM>                                      6,420
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                            44
<OTHER-SE>                                      46,205
<TOTAL-LIABILITIES-AND-EQUITY>                 581,636
<INTEREST-LOAN>                                 39,953
<INTEREST-INVEST>                                7,588
<INTEREST-OTHER>                                   463
<INTEREST-TOTAL>                                48,004
<INTEREST-DEPOSIT>                              17,724
<INTEREST-EXPENSE>                              18,672
<INTEREST-INCOME-NET>                           29,332
<LOAN-LOSSES>                                    3,150
<SECURITIES-GAINS>                                  33
<EXPENSE-OTHER>                                 27,489
<INCOME-PRETAX>                                  8,055
<INCOME-PRE-EXTRAORDINARY>                       8,055
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     6,224
<EPS-PRIMARY>                                     1.45
<EPS-DILUTED>                                     1.45
<YIELD-ACTUAL>                                    5.53
<LOANS-NON>                                      4,091
<LOANS-PAST>                                       217
<LOANS-TROUBLED>                                 2,403
<LOANS-PROBLEM>                                 10,767
<ALLOWANCE-OPEN>                                16,234
<CHARGE-OFFS>                                  (5,135)
<RECOVERIES>                                     1,451
<ALLOWANCE-CLOSE>                               15,700
<ALLOWANCE-DOMESTIC>                            15,700
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                          3,251